JAY GET IT / ACADEMY · PRINTABLE JOB AID
Listen. Compare. Confirm. Connect.
Personal Banker Development · A quick reference for the next transaction.
1. Ask permission
Understand the customer’s stated goal and ask relevant questions about account use.
2. Confirm the priorities
Summarize what matters: access, costs, predictability and needed features. Invite corrections.
3. Compare complete terms
Use current disclosures and explain fee-waiver conditions. Fictional lesson prices are not account offers.
4. Check understanding
Use a respectful teach-back: “To check my explanation, when would this fee apply?”
5. Respect the decision
Interest and silence are not authorization. Use approved application and separate service-choice processes.
6. Connect and follow through
Obtain permission for relevant handoffs. Clarify who will help and the next step; do not promise an approval or outcome.
For a checking-account transition, review direct deposits, automatic payments and outstanding items before suggesting closure of the old account. Follow current disclosures and approved procedures.
Educational reference · Reviewed October 31, 2026 · Use your institution’s current procedures. Source links and full context: jaygetit.com/academy/personal-banker/